Business Lending

Two parties signing a contract.

Business Lending

Santa Cruz County Bank is the county's leading local lender. We offer competitive pricing on Real Estate lending, Small Business Administration (SBA), Business and Industrial (B&I) and Farm Service Agency (FSA) lending by experienced, creative local lenders. Let us put all the things you desire within your reach! With local decision making, knowledgeable professionals, and exceptional service, you are sure to find Santa Cruz County Bank the premier choice for your lending needs. We are a full service bank that specializes in all aspects of Construction & Commercial Business lending. Find out What Sets Us Apart and Meet our Customers to find out what local business owners are saying about Santa Cruz County Bank.

Contact Us

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We offer:

  • Full complement of revolving and non-revolving lines of credit.
  • Long-term notes for capital needs
  • Short-term notes for various specific needs
  • Merchant services
  • Commercial and Stand-By Letters of Credit
  • And more, just ask!

Ibis Cycles, Inc.

Tom Morgan
Tom Morgan, President

"We turned to SCCB when we saw how they were using all the resources at their disposal to process applications, in time for the deadline and to secure loans for local businesses in the first round of funding. That kind of personal attention and resourcefulness is just not available from the national banks. "

Armadillo Willy's

Matt Granville
Matt Granville, COO & CFO

"We switched to Santa Cruz County Bank for all our banking needs. The process went smoothly thanks to the Cupertino staff who were attentive, responsive, and paid attention to every detail. The team at SCCB is very reliable and we are happy with our decision to change banks."

Fireclay Tile

Eric Edelson
Eric Edelson, CEO

"We had a lot of challenges finding a banker who could support our mission and values. The team at Santa Cruz County Bank listened, took time to understand our business, and came up with creative solutions in very timely manners. We are so grateful for this partnership!"

For an appointment or if you have questions in regard to business loans, please contact:

Jon Sisk
Jon Sisk
Regional President/Chief Banking Officer
831.600.4018
Fred Caiocca
Fred Caiocca
EVP, Regional Credit Manager
831.600.4046
Angelo DeBernadro, Jr.
Angelo De Bernardo, Jr.
EVP, Chief Lending Officer
831.600.4042
Doug Fischer
Doug Fischer
SVP, Director of Business Banking
831.600.4049
Richard Aiello
Richard Aiello
VP, Regional Manager
831.600.4081
Marshall Delk
Marshall Delk
VP, Senior Regional Relationship Manager
831.600.4041
Stephen Meade
Stephen Meade
VP, Senior Relationship Manager
408.200.2880
Chris Maffia
Chris Maffia
VP, Relationship Manager
831.600.4023
Brent Dunton
Brent Dunton
VP, Business Banking Officer
831.600.4064
Dara Harris
Dara Harris
VP, Senior Relationship Manager
831.600.4024
Jaron Reyes
Jaron Reyes
AVP, Relationship Manager
831.600.4085
Christopher Van Zanen
Christopher Van Zanen
VP, Relationship Manager
831.600.4030
Felicia Manullang
Felicia Manullang
AVP, Relationship Manager
408.200.2884
Kathryn Hohl
Kathryn Hohl
VP, Relationship Manager
831.600.4001
Chris Illig
Chris Illig
VP, Relationship Manager
831.600.4003
Kristine Ronzano
Kristine Ronzano
VP, Relationship Manager
831.431.4609
Kaylee Silverberg
Kaylee Silverberg
Relationship Manager
831.600.4056
Sean Laverty
Sean Laverty
Relationship Manager
831.600.4045

N.M.L.S. Identification Numbers

In order to comply with requirements of the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act), Santa Cruz County Bank provides the following National Mortgage Licensing System and Registry (N.M.L.S.) Identification Numbers for Mortgage Loan Originators.

Angelo DeBernardo Jr. - 637661
Brent Dunton - 1770994
Chris Illig - 1273539
Christina (Chris) Maffia - 637667
Christopher Van Zanen - 1636359
Dara Harris - 1120069
Douglas Fischer - 637663
Frederick Caiocca - 637658
Felicia Manullang - 1921322
Jaron Reyes - 1326806
Jon Sisk - 715400

Kathryn Hohl - 866944
Kaylee Silverberg - 2109926
Kristine Ronzano - 2079044
Linda Morales - 1641186
Marshall Delk - 1121921
Matthew Ribeiro - 683696
Richard Aiello - 767707
Sean Laverty - 1110681
Shawn Lipman - 839401
Stephen Meade - 594726
Ventura Leon - 708501

Santa Cruz County Bank N.M.L.S ID#: 451345

To access the N.M.L.S. Registry, please visit: nmlsconsumeraccess.org

Foreclosure Information:

If you cannot afford your monthly mortgage payments and wish to avoid foreclosure, you may be eligible for a loan "workout" or modification. We determine eligibility for loan "workouts" on a case-by-case basis. Among other things, we will consider the value of your property and your ability (based on your current income) to make monthly mortgage payments in accordance with the "workout." You may also qualify to refinance your current loan with us, including a short term payment deferment.

If you are interested in exploring any of the options listed above, you will need to provide us with certain financial information, including the following: your most recent pay stub, list of current monthly expenses, your most recent tax return, bank statements, a current valuation of your property, if available (such as an appraisal) and a written explanation detailing your need for a loan "workout" or modification.

If you would like to discuss your options to avoiding foreclosure with us, please call the Chief Credit Officer of Santa Cruz County Bank at 831.457.5000, or toll free at 866.408.3108. You may also contact the Department of Housing and Urban Development (HUD) to find a HUD certified housing counseling agency by calling 1.800.569.4287. Additional information is made available by HUD on its website at hud.gov .

© 2021 Santa Cruz County Bank. All rights reserved.

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